Make sure your business remains successful. Reward your key employees with Selective Employee Benefits.

Recruiting, retaining and rewarding your key employees can be one of the toughest jobs you'll ever face as a business owner, especially in today's highly competitive marketplace. One of the best things you can do for those employees, and for yourself, is to offer selective employee benefit plans.

Traditional qualified plans place limits on earnings, contributions and benefits, resulting in an "income gap" for highly compensated employees. Plus, there's no cost recovery for your company's out-of-pocket costs for the plans. And there are no "golden handcuffs" in them to help you retain key employees.

A selective employee benefit plan bridges the income gap, and lets your key employees know just how much you value them.
Employee A Rank and File Age 45 Annual Salary: $50k	Employee B Key Employee Age 45 Annual Salary: $205k	Employee C Business Owner Age 45 Annual Salary: $600k
Total employer/employee contributions to qualified plan:
10% of eligible salary	10% of eligible salary	10% of eligible salary
Social Security income at age 66*:
$18,372	$23,480	$23,480
Projected annual pension at age 65*:
$25,169**	$103,194**	$103,194**
Total Income:
$43,541	$126,674	$126,674
Total retirement income needed:
$35,000***	$175,000***	$420,000***
Percent of pre-retirement income:
87%	51%	21%
Income gap:
zero	$48,326	$293,326
Hypothetical example: *Estimated reduced benefit (full benefit at age 66). Does not include spousal benefit. **Assumes 8% annual interest and pension payments for 20 years. ***Assumes retirement needs at 70% of pre-retirement income. Assumptions based on 2003 social security table.

• 401(k) Overlay Plans
• Supplemental Employee Retirement Plans (SERPs)
• Deferred Compensaton Plans
• Restricted Bonus Plans or Executive Bonus Plans
• Split Dollar Plans
• Qualified Retirement Plans

Products to fund Selective Employee Benefits Plan

To help you develop a Selective Employee Benefits Plan based on your objectives and situation, make your financial representative a valuable member of your business planning team.